38 James Dr, Shalimar, FL 32579 Property Records

Okaloosa County property record for 38 James Dr, Shalimar, FL 32579

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,899 sqft · built 1974
Lot Size	0.314 acres (13,707 sqft)
Owner	Individual Name on Record
Last Sale	$445,000 (Aug 2024)
Tax Bill	$4,151 (2025)
Deeds & Mortgages	Dec 2018 Sale & Mortgage Sep 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-2272-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-2272-8`
Alternative APN	`30-1S-23-1534-000D-0110`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,899 sqft Heated Area
Gross Area	3,024 sqft
1st Floor Area	1,899 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2005
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	13,707 sqft (0.314 acres)
Lot Width	112 ft Width
Garage Type	Finished
Garage Area	504 sqft
Porch	Open Porch
Porch Area	426 sqft
Patio Area	525 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	38 JAMES DR
City	SHALIMAR
State	FL
Zip	32579-1012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LONGWOOD 4TH ADD LOT 11 BLK D
Legal Range	23
Legal Township	01S
Legal Section	30
Legal Subdivision	LONGWOOD 4TH ADD
Legal Block	D
Legal Lot Number	11
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1011
Census Tract	21600

Owner

Source: Okaloosa County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	38 JAMES DR, SHALIMAR, FL 32579-1012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2018	Special Warranty Deed, Transfer · Commercial Mortgage FNBT BANK
Sep 14, 2018	Loan Modification, Mortgage · Line of Credit AMERICAN MOMENTUM BK
Apr 25, 2018	Trustee's Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2024 · Amount on Record
Deed Sale	Aug 21, 2024 · Amount on Record
Prior Sale	Dec 14, 2018 · Amount on Record
Deed Document Number	3706550
Record Updated	Jun 8, 2026

December 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 14, 2018
Property Address	38 JAMES DR, SHALIMAR, FL 32579-1012
Document Number	0033782115
Book / Page	3378 / 2115
Map Reference	MB 5 PG 21
Instrument Date	Dec 6, 2018
Instrument	3248576
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4006 S MACDILL AVE, 4006, TAMPA, FL 33611-1545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 MARLBOROUGH RD, SHALIMAR, FL 32579-1036

Mortgage

Document Number	0003248577
Date	Dec 14, 2018
Instrument	3248577

Lender

Name	FNBT BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Recording Date	Sep 14, 2018
Property Address	38 JAMES DR, SHALIMAR, FL 32579-1012
Document Number	0033673123
Book / Page	003367 / 003123
Instrument Date	Aug 28, 2018
Instrument	3232419
Transaction Type	Mortgage
Record Updated	Sep 28, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4006 S MACDILL AVE TAMPA FL 336111545, TAMPA, FL 33611-1545

Mortgage

Document Number	33673123
Date	Sep 14, 2018
Book Page	003367/003123
Instrument	3232419

Lender

Name	AMERICAN MOMENTUM BK
Type	Bank
Address	4830 W KENNEDY BLVD # 200, TAMPA, FL 33609-2521

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 25, 2018
Property Address	38 JAMES DR, SHALIMAR, FL 32579-1012
Document Number	0033470477
Book / Page	003347 / 000477
Instrument Date	Apr 12, 2018
Instrument	3202678
Transaction Type	Transfer
Record Updated	May 2, 2018

Transaction

Amount	Amount Recorded
Tax	$1,047.90
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2086 LUTZ FL 335482086, LUTZ, FL 33548-2086

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,151.00 (+7.12%)	$338,437 (+3.59%) Land $131,143 Building $207,294	$338,437 (+3.59%) Land $131,143 Building $207,294
2023	$3,875.00 (+7.46%)	$326,700 (+6.66%) Land $91,743 Building $234,957	$326,700 (+6.66%) Land $91,743 Building $234,957
2022	$3,606.00	$306,294 Land $85,741 Building $220,553	$306,294 Land $85,741 Building $220,553

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 62 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	62 in force
Nearby Flood Claims	41 (1978–2020)
Claims Outside the SFHA	15 of 41
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Frances, Sep 2004 · 13 claims Hurricane Opal, Oct 1995 · 17 claims Hurricane Erin, Aug 1995 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OKALOOSA CO.WTR.; SWR.SYSTEM serves 80,295 people · EPA ID FL1460506
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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